A couple of people I know who are really into security go with the 2 wallet thing.

1) Around the house, easily accessible, has whatever they think they are going to need for whatever period of time they want.
2) Locked in a bank vault along with another one in another bank. So there is no worry about loss of one. But they are just clones of each other.

So if someone really wants their full hoard it involves going to a bank during business hours.

I think it's a bit tinfoil had paranoid but that is what they want to do.

-Dave